Allstate Insurance Complaint - denied leak damage - homeowners
About a year ago, I noticed that my kitchen tiles were cracking, last month, the wood beams in my basement ceiling started leaking.
The plumber finally found the problem, when he slid out my stove and saw the wall behind the stove and sink was crumbling at the wood was rotted, as well as the wood under the tile floor.
A pinhole leak in a hot water pipe in a wall, over time put a leak in the drainpipe.
Allstate says none of this is covered because any damage over time is excluded. Rotted wood is not covered.
So I have to tear out my kitchen and rip up and repair the subfloor and lay new tile. A cabinet was also damaged and is buckled.
I was told this is a standard NYS policy. There is nothing deluxe about my Allstate Deluxe Policy
Read the fineprint in your policy. Only sudden damage is covered.